Medicare Advantage plans in Puerto Rico for 2027
Every open plan on the island charges $0, almost all are HMOs, and the special needs plans for people with Medicaid are nearly as many as the open plans.
Aguada, Puerto Rico: plans open to everyone on Parts A and B
24 plans
22 with a $0 premium and drug coverage · out-of-pocket limits $3,250 to $7,151 · best rating 5.0★ · 2 plan IDs of 2026 not renewed here
24 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| MMM Balance (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS · H4004-073-1 | $0 | $0 | $3,250 | 4.5★ |
| MMM Deluxe (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS · H4003-055-0 | $0 | $0 | $3,250 | 4.5★ |
| MMM Elite (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS · H4003-034-0 | $0 | $0 | $3,250 | 4.5★ |
| MMM Estela (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS · H4003-059-1 | $0 | $0 | $3,250 | 4.5★ |
| MMM Grandioso (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS · H4004-070-0 | $0 | $0 | $3,250 | 4.5★ |
| MMM Mega Flex (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS · H4004-071-0 | $0 | $0 | $3,250 | 4.5★ |
| MMM Plenitud (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS · H4004-065-0 | $0 | $0 | $3,250 | 4.5★ |
| MMM Valiente (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS · H4004-075-0 | $0 | no drugs | $3,250 | 4.5★ |
| MMM Valioso (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS · H4004-066-0 | $0 | $0 | $3,250 | 4.5★ |
| PMC Max (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS · H4004-056-0 | $0 | $0 | $3,250 | 4.5★ |
| MCS Classicare Efectivo (HMO)MCS Classicare · HMO · H5577-005-0 | $0 | $0 | $3,400 | 5.0★ |
| MCS Classicare En Tu Hogar (HMO)MCS Classicare · HMO · H5577-043-0 | $0 | $0 | $3,400 | 5.0★ |
| MCS Classicare Essential (HMO-POS)MCS Classicare · HMO-POS · H5577-008-0 | $0 | $0 | $3,400 | 5.0★ |
| MCS Classicare Estrella (HMO)MCS Classicare · HMO · H5577-060-0 | $0 | $0 | $3,400 | 5.0★ |
| MCS Classicare Excede (HMO)MCS Classicare · HMO · H5577-056-1 | $0 | $0 | $3,400 | 5.0★ |
| MCS Classicare Firme (HMO)MCS Classicare · HMO · H5577-042-0 | $0 | $0 | $3,400 | 5.0★ |
| MCS Classicare Hero (HMO)MCS Classicare · HMO · H5577-044-0 | $0 | $0 | $3,400 | 5.0★ |
| MCS Classicare InteliCare (HMO)MCS Classicare · HMO · H5577-052-0 | $0 | $0 | $3,400 | 5.0★ |
| MCS Classicare Patriot (HMO)MCS Classicare · HMO · H5577-016-0 | $0 | no drugs | $3,400 | 5.0★ |
| MCS Classicare RxMax (HMO)MCS Classicare · HMO · H5577-059-0 | $0 | $0 | $3,400 | 5.0★ |
| Ahorro Plus (HMO)Triple S Advantage · HMO · H5774-047-1 | $0 | $0 | $4,200 | 5.0★ |
| Brillante (HMO-POS)Triple S Advantage · HMO-POS · H5774-031-0 | $0 | $0 | $4,200 | 5.0★ |
| Enlace Plus (HMO)Triple S Advantage · HMO · H5774-038-0 | $0 | $0 | $4,200 | 5.0★ |
| Óptimo Plus (PPO)Triple-S Advantage · PPO · H4005-004-0 | $0 | $0 | $7,151 | 4.5★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Puerto Rico's Medicare Advantage market for 2027 looks like no other in the landscape file: all 32 plans open to anyone with Parts A and B have a $0 monthly premium, the median in-network cap is $3,400, far below the $6,550 national median, and every one of them carries a 2027 rating of four stars or more. Three insurers file them, MMM, MCS Classicare and Triple-S, and 31 of the 32 are HMOs. Alongside, 27 dual-eligible special needs plans serve people who also have Medicaid through the island's program; their names usually end in Platino. Choice barely varies by place: each of the 78 municipios has between 21 and 24 open plans. Only 3 stand-alone drug plans are sold, listed below for anyone who keeps Original Medicare.
An island where every open plan is $0
No other part of the country looks like this. The highest premium filed for an open plan in Puerto Rico for 2027 is $0, and 30 of the 30 plans that include drug coverage are among them. The competition happens elsewhere: in the cap, in dental and vision extras, in the network of clinics and specialists in your area. The lowest cap is $3,250, on MMM Valiente (HMO-POS); the top-rated plan, Ahorro Plus (HMO), holds 5 stars with a $4,200 cap.
A “$0 plan” over a year
Still paid in 2027
$3,548
| Part B premium (projected) | $2,514 |
| Cost sharing, up to the cap | $1,034 |
| Worst case | $9,264 |
A $0 plan still leaves the Part B premium and the copays until the cap is reached. The calculator above shows the real yearly cost.
Platino plans and Medicaid
The 27 D-SNPs are for people enrolled in both Medicare and Medicaid. Nationally D-SNPs are a small slice of the market, 1,052 out of 5,561 plan segments; in Puerto Rico they nearly match the 32 open plans. Someone who qualifies can choose between a Platino plan and an ordinary open plan, and should compare drug coverage and extras on both, since the Platino plans are built to coordinate with Medicaid benefits.
From Aguada to Yabucoa, nearly the same list
The western municipios such as Aguada, Aguadilla, Anasco, Camuy have 24 open plans; San Juan has 22; the eastern towns Aguas Buenas, Aibonito, Barranquitas have 21. The difference is a handful of plans, usually networks that stop at a regional boundary. If you move between the metro area and the island's west, confirm that your plan and your primary care doctor still match.
If you live part of the year on the mainland
A Puerto Rico HMO covers routine care only in its service area on the island; on the mainland it covers emergencies and urgent care. Someone splitting the year with Florida or New York may need a plan where they spend most of their time. Island plans went from 31 in 2026 to 32 now.
Every municipio of Puerto Rico, 2027
| Municipio | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Adjuntas | 23 | 21 | $3,250 | 23 | +1 |
| Aguada | 24 | 22 | $3,250 | 24 | +1 |
| Aguadilla | 24 | 22 | $3,250 | 24 | +1 |
| Aguas Buenas | 21 | 19 | $3,250 | 21 | +1 |
| Aibonito | 21 | 19 | $3,250 | 21 | +1 |
| Anasco | 24 | 22 | $3,250 | 24 | +1 |
| Arecibo | 23 | 21 | $3,250 | 23 | +1 |
| Arroyo | 23 | 21 | $3,250 | 23 | +1 |
| Barceloneta | 23 | 21 | $3,250 | 23 | +1 |
| Barranquitas | 21 | 19 | $3,250 | 21 | +1 |
| Bayamon | 21 | 19 | $3,250 | 21 | +1 |
| Cabo Rojo | 23 | 21 | $3,250 | 23 | +1 |
| Caguas | 21 | 19 | $3,250 | 21 | +1 |
| Camuy | 24 | 22 | $3,250 | 24 | +1 |
| Canovanas | 22 | 20 | $3,250 | 22 | +1 |
| Carolina | 22 | 20 | $3,250 | 22 | +1 |
| Catano | 22 | 20 | $3,250 | 22 | +1 |
| Cayey | 21 | 19 | $3,250 | 21 | +1 |
| Ceiba | 21 | 19 | $3,250 | 21 | +1 |
| Ciales | 23 | 21 | $3,250 | 23 | +1 |
| Cidra | 21 | 19 | $3,250 | 21 | +1 |
| Coamo | 22 | 20 | $3,250 | 22 | +1 |
| Comerio | 21 | 19 | $3,250 | 21 | +1 |
| Corozal | 24 | 22 | $3,250 | 24 | +1 |
| Culebra | 21 | 19 | $3,250 | 21 | +1 |
| Dorado | 22 | 20 | $3,250 | 22 | +1 |
| Fajardo | 22 | 20 | $3,250 | 22 | +1 |
| Florida | 24 | 22 | $3,250 | 24 | +1 |
| Guanica | 23 | 21 | $3,250 | 23 | +1 |
| Guayama | 23 | 21 | $3,250 | 23 | +1 |
| Guayanilla | 23 | 21 | $3,250 | 23 | +1 |
| Guaynabo | 22 | 20 | $3,250 | 22 | +1 |
| Gurabo | 22 | 20 | $3,250 | 22 | +1 |
| Hatillo | 23 | 21 | $3,250 | 23 | +1 |
| Hormigueros | 23 | 21 | $3,250 | 23 | +1 |
| Humacao | 22 | 20 | $3,250 | 22 | +1 |
| Isabela | 24 | 22 | $3,250 | 24 | +1 |
| Jayuya | 23 | 21 | $3,250 | 23 | +1 |
| Juana Diaz | 23 | 21 | $3,250 | 23 | +1 |
| Juncos | 22 | 20 | $3,250 | 22 | +1 |
| Lajas | 24 | 22 | $3,250 | 24 | +1 |
| Lares | 23 | 21 | $3,250 | 23 | +1 |
| Las Marias | 23 | 21 | $3,250 | 23 | +1 |
| Las Piedras | 22 | 20 | $3,250 | 22 | +1 |
| Loiza | 21 | 19 | $3,250 | 21 | +1 |
| Luquillo | 21 | 19 | $3,250 | 21 | +1 |
| Manati | 24 | 22 | $3,250 | 24 | +1 |
| Maricao | 23 | 21 | $3,250 | 23 | +1 |
| Maunabo | 21 | 19 | $3,250 | 21 | +1 |
| Mayaguez | 23 | 21 | $3,250 | 23 | +1 |
| Moca | 24 | 22 | $3,250 | 24 | +1 |
| Morovis | 23 | 21 | $3,250 | 23 | +1 |
| Naguabo | 21 | 19 | $3,250 | 21 | +1 |
| Naranjito | 21 | 19 | $3,250 | 21 | +1 |
| Orocovis | 23 | 21 | $3,250 | 23 | +1 |
| Patillas | 23 | 21 | $3,250 | 23 | +1 |
| Penuelas | 24 | 22 | $3,250 | 24 | +1 |
| Ponce | 24 | 22 | $3,250 | 24 | +1 |
| Quebradillas | 23 | 21 | $3,250 | 23 | +1 |
| Rincon | 24 | 22 | $3,250 | 24 | +1 |
| Rio Grande | 22 | 20 | $3,250 | 22 | +1 |
| Sabana Grande | 23 | 21 | $3,250 | 23 | +1 |
| Salinas | 22 | 20 | $3,250 | 22 | +1 |
| San German | 23 | 21 | $3,250 | 23 | +1 |
| San Juan | 22 | 20 | $3,250 | 22 | +1 |
| San Lorenzo | 22 | 20 | $3,250 | 22 | +1 |
| San Sebastian | 23 | 21 | $3,250 | 23 | +1 |
| Santa Isabel | 22 | 20 | $3,250 | 22 | +1 |
| Toa Alta | 22 | 20 | $3,250 | 22 | +1 |
| Toa Baja | 22 | 20 | $3,250 | 22 | +1 |
| Trujillo Alto | 22 | 20 | $3,250 | 22 | +1 |
| Utuado | 23 | 21 | $3,250 | 23 | +1 |
| Vega Alta | 24 | 22 | $3,250 | 24 | +1 |
| Vega Baja | 24 | 22 | $3,250 | 24 | +1 |
| Vieques | 22 | 20 | $3,250 | 22 | +1 |
| Villalba | 24 | 22 | $3,250 | 24 | +1 |
| Yabucoa | 21 | 19 | $3,250 | 21 | +1 |
| Yauco | 24 | 22 | $3,250 | 24 | +1 |
Stand-alone Part D plans in Puerto Rico
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-052-0 | $9.30 | $9.30 | $700 | new | 2.5 |
| HealthSpring Extra Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-078-0 | $12.90 | $12.90 | $700 | new | 2.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5820-037-0 | $124.60 | $124.60 | $700 | $145.10 | 3.0 |